To our knowledge, as of 13 February 2026, we’re the only UK staff absence insurance provider that lets schools pick any wellbeing provider and claim cashback simply by uploading the receipt. This open-provider model keeps support fast, local and budget-friendly—paired with AXA-underwritten protection, FSCS coverage and a paperless claims portal that averages ~3-day payouts.
Why Cashback (and Why Now)
Budgets are tight. Agency day rates keep rising. Waiting for panel approvals delays care and stretches absences. Our Wellbeing Cashback Scheme flips that: you choose the local specialist your staff already trust, pay, then upload the receipt for cashback—within your package limits and scheme rules. The result is faster access to care, less downtime, and more predictable costs.
Trust matters: your insurance is underwritten by AXA and FSCS-protected, adding regulatory assurance that discretionary schemes can’t match.
How the Cashback Scheme Works (Simple as 1-2-3)
Choose your own provider (local or national—no restricted list).
Book & pay, keep the receipt.
Upload the receipt in our paperless portal for quick reimbursement. Our claims journey is digital, trackable and built to protect cash flow with an average ~3-day payout.
Uniqueness: To our knowledge (13 February 2026), we are the only UK staff absence insurance provider offering this “open-provider + receipt-upload” cashback feature as standard.
Where Cashback Delivers the Biggest Impact
Speed to care: staff access counselling, physio or OH support immediately—no panel delays.
Local choice: use existing community specialists or trusted regional services.
Real value control: buy exactly what’s needed; claim the eligible portion back.
Lower agency reliance: faster recoveries + insurance daily benefits help cut agency spend and stabilise budgets.
Gold & Platinum Packages
Gold – Includes Staff Absence Insurance + Cashback Access
Gold pairs our Wellbeing Cashback Scheme with AXA-underwritten Staff Absence Insurance. Core cover pays daily benefit for eligible absences, with additional covers including: bereavement leave, compassionate leave, Covid-19 (PCR-confirmed), family care, jury service, paternity/paternal adoption, pregnancy-related illness, staff suspension, stranded staff and union duties. Optional Stress cover available (Full/Restricted).
Platinum – Enhanced Caps & Extras
Everything in Gold, plus higher cashback caps, a broader list of eligible wellbeing services, and priority processing/reporting (confirm final caps and categories with your account manager).
Both packages are administered via our digital claims portal for low-friction submissions and faster decisions.
What’s Typically Covered via Cashback (Examples)
MSK & physiotherapy
Therapies
Example: Before → After
Before: A teacher waits weeks for therapy approval. Absence extends, and the school pays for expensive agency cover.
After: The school books a trusted local therapist immediately, the staff member is seen this week, the school uploads the receipt, and cashback is approved. Combined with daily benefit from the insurance, the absence shortens and agency spend drops.
FAQs
Are you really the only provider offering open-provider cashback?
**Yes—**to our knowledge, as of 13 February 2026, we’re the only UK staff absence insurance provider that lets schools choose any provider and claim cashback by uploading a receipt. We monitor the market and will update this claim if it changes.
Does Staff Absence Insurance include Gold?
Yes. SAI includes Gold Wellbeing.